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Feeling slightly slighted

I seem to be getting very little credit for carrying an American Express card for 40 years

Updated: Saturday, April 19, 2008 6:15 AM PDT

Last week, I called American Express to activate a new credit card it had sent me to replace my lost one.

In the process, I noticed that I have been an American Express member for 40 years, a much longer period than any of the spokesman-hucksters the company trots out for its commercials and five times longer than the average first marriage!

I told the phone representative that, to commemorate my long tenure, American Express should, at the very least, waive its annual fee.

And furthermore, I felt that a small token of its appreciation — perhaps three free nights at the deluxe hotel of my choice — would be appropriate given our four-decade long association. During that period, American Express has not gifted me so much as a toothbrush.

As our conversation continued, I noted to the agent that last year American Express paid its top five executives an aggregate of $61 million. Apparently then the company could well afford to loosen up some pocket change for what it is forever referring to as its "valuable customers."

But the longer I spoke about the perks I've earned, the more the representative ignored me. Instead, she instead brazenly pressed me to upgrade my membership from gold to platinum.

Sensing correctly that I was getting nowhere, I then proposed that American Express take an entire new advertising direction.

Since American Express recently dumped Tiger Woods after 10 years together (30 less than me), I proposed that the company should shift its focus from high-profile stars to everyday Americans like — well, like me.

What's the point of hiring the glitterati to hawk American Express cards? Of course, they don't leave home without them! And not only are their memberships fees waived, they get millions of dollars for shilling.

I took a page from American Express' advertising history to prove how I could play a valuable role.

In 2004, the company launched its "My Life, My Card " campaign featuring, in addition to Woods — Ellen De Generes, Robert De Niro and professional surfer Laird Hamilton.

Some of the original advertisements were directed by Martin Scorsese and photographed by Annie Leibovitz.

Each was shot on location with the scenes, according to John Hayes, American Express Chief Marketing officer, "reflecting the places, causes, achievements and avocations that are meaningful to each person."

And claimed Hayes, the ads would "reveal snapshots of the lives of these incredible individuals as we demonstrate our belief that our card members are exceptional people no matter where they live or what they do."

Finally, Hayes concluded that "achievers of all types choose American Express."

Hayes left the door wide open for me. While I certainly wouldn't describe myself as "incredible" or "exceptional" — far from it — I am an achiever of sorts, albeit an underachiever.

Here's the spot that I envision running on national television: "You don't have to be rich and famous to have an American Express card. Here's Joe Guzzardi, an English as a second language instructor toiling obscurely in California's San Joaquin Valley and supplementing his meager income with a pittance paid to him by the Lodi News-Sentinel for his weekly opinion column. Although Guzzardi's wages have been stagnant for more than 25 years, when he flashes his Gold American Express Card, people think he's famous!"

At first, my concept got a chilly reception.

But then I recast my idea so that it would be certain to grab the attention of decision makers.

Since I'll work for peanuts, comparatively, the company can use the tens of millions it will save and add them to the already lofty salaries paid out to the top brass.

For example, American Express Chairman Kenneth Chenault would get a pay raise from his annual $25 million to $28 million.

Once my revised plan gets circulated throughout the boardroom, I'm sure my phone will start ringing!

Joe Guzzardi is an instructor at the Lincoln Technical Academy. Contact him at guzzjoe@yahoo.com.

Reader Feedback

dogbark wrote on Apr 23, 2008 5:20 PM:

" cogito, if they could think then they'd recognize your name. "

dogbark wrote on Apr 23, 2008 5:19 PM:

" Joe, they already have many products using that approach= real person speaks, then the celebrity translates what they said;
Frampton says your idea is wahowaho wah wing good, and Peter Graves says it makes him feel like a satisfied woman. "

LodiToday wrote on Apr 23, 2008 12:09 PM:

" COGITO- actually, my credit rating comes from Equifax and TransUnion, and the highest score is 900, but no one will ever achieve that. My personal banker said, he had never seen a score as high as mine in 11 yrs. of banking. Then he handed me the $25,000 dollar check that I requested, secured only by my signature. I worked real hard for 40 years to keep my perfect credit rating. YES, I believe what OTH said, that most of us are paying for the mistakes of others, unfortunately. When will it all END? "

OTH wrote on Apr 21, 2008 8:20 PM:

" LodiToday you and thousands of others are paying for the bad credit issued to millions who shouldn't have it to begin with. They will never collect it from the dead beats but you will pay your bill. "

Cogito wrote on Apr 21, 2008 3:45 PM:

" Sorry I misread your name "LodiToday".I hate it when people call me "Cognito" "

Cogito wrote on Apr 21, 2008 3:43 PM:

" LodiTokay, isn't the maximum for a credit score 850? I think you need to check again. Unless the credit reporting agency you use has their own standard. "

LodiToday wrote on Apr 21, 2008 10:05 AM:

" Yeah! I can relate to your experience of chatting with a customer service agent after being a member for almost 40 yrs. myself. There is NO RESPECT for longtime customers. I'm lucky in one sense, that I have a no-fee, revolving account, in which they just raise the interest rate to 14.9% from 7.9% without cause. My Credit score is 872, and as much as I argued to just lower it, they shut me down. They told me that everyone got an increase. Thanks for including me with all the rookies with bad credit. "

Observer wrote on Apr 21, 2008 8:04 AM:

" And of course many establishments won't take American Express cards. Don't you feel really important when that happens. "

Scrutiny wrote on Apr 20, 2008 9:46 AM:

" Why would anybody with half-way decent credit actually pay a yearly fee for the honor of using a credit card in this day and age? I tore up my AE card years ago.. "

Cogito wrote on Apr 20, 2008 12:21 AM:

" I remember when an AMEX card was a status symbol. They weren't very easy to get. When I got that green card, I was the man! Then I went Gold, then I went to whoever gave me a free card. I think my cat can get a green card now. It doesn't impress anyone anymore. Go with what's free, gives you kickbacks, and pay it off every month. Otherwise, you've been scammed. "

Edumacation wrote on Apr 19, 2008 9:48 AM:

" Fun article! The lesson is NEVER go into debt, even if its for "only" 30 days (AMEX is not a typical bank card). The enormous power of FIRE (Finance-Investment-Real Estate) in our country was handed to them by us -"average consumers". Our nickels, dimes and dollars for the ubiquitous do nothing "fees" amounts to trillions of dollars yearly. My solution is to "JUST SAY NO". Today, tear up your credit cards, pay off your debts, pull your money out of banks and open "savings only" accounts in Credit Unions. Now who is the "boss"? "

Comments on this story are now closed.

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